How to choose credit card?

 How to choose a credit card?

If you have this Question inside. You need to check your spending habits and goals. when you choose a new credit card you should understand credit card, you will be very using full for a very long time. So many peoples have maintained a credit card for a long time (more than 10 years). if you want to switch credit card on online accounts and set up auto-pay using the card.

1.Check your credit score

Before Apply for a Credit card, you might be checking your credit score eligibility criteria. many credit card offers you can check your credit score for free. As per federal law, everyone gets a free copy of a credit report for 12 months The three major credit bureaus (Experian, Equifax, and TransUnion) sell credit scores.

Before applying a credit card check your credit score

Credit score ranges following below

  • Very poor: 300 to 579
  • Fair: 580 to 669
  • Good: 670 to 739
  • Very good: 740 to 799
  • Excellent: 800 to 850

2.Find which type of credit card do you need?

Before finding a credit card check the following types

A credit card must save money on interest

the card that earns More Reward points on spending

The card can improve your credit score or damage based on your repayment

If your student you will easier to qualify for student credit cards, which requires a security deposit of $200 or more. your deposit returned when you are upgraded

If you want to save on interest 0% interest rates find the Balance transfer card. If you are using for emergencies purpose or if you not have a consistent income source carry a balance from time to time.keep in your mind this offers might be harder to find if you have an average or poor credit score.

3.Looking at your spending habits

If you are plan to repaying your bill every month get to maximize the reward points and cashback offers on your spending credit card often.well-matched to your spending.

Many credit cards offer Bonus Reward points, cashback offers, signup bonus, and referral Bonus these spending categories 

Travel purchases, such as hotels or airline tickets




Business spending

Online shopping

Some credit cards offer promotional categories, times of the year you may get extra rewards for gas, groceries, restaurants, or travel. Others keep their referral program the same year-round, so you'll always get bonus points for hotels, gas, or whatever the card promotes.

Choose what type of credit card is right for you

Balance transfer credit card to maintain a stable balance between credit card debt or reduce interest paid on existing debt.

a Card offers 0% APR is if you are able to purchase volume high. you don't need to pay immediately

A Cash Back offers is if you get reward points in the statement you can reduce your monthly Bill for redeeming points

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